Disclosures

About Jacob Johns & JJ Wealth Advisory

Jacob Johns is a licensed financial professional operating under the name JJ Wealth Advisory. Jacob is based in Phoenix, Arizona and serves clients across the United States through virtual consultations.

JJ Wealth Advisory is not a registered investment advisor (RIA) in its own right. Investment advisory services are provided through Jacob's affiliation with Lucas Retirement Group. Insurance products and services are offered through his affiliation with American Senior Benefits. See "Affiliations" below for more detail.

Affiliations

Jacob Johns operates through affiliations with the following organizations:

Compensation Disclosure

Jacob Johns is compensated in the following ways, depending on the services provided:

• Insurance commissions: When you purchase an insurance product (such as life insurance, a Medicare supplement plan, or an annuity), Jacob may receive a commission from the insurance carrier. The commission is built into the product premium and does not result in additional cost to you.
• Investment advisory fees: For investment advisory services provided through Lucas Retirement Group, Jacob may receive a fee based on a percentage of assets under management or a flat planning fee. Fee structures will be fully disclosed and agreed upon in writing before any advisory services begin.
• Referral arrangements: Jacob does not currently receive referral fees from third parties for client introductions. If this changes, it will be disclosed to affected clients.

Conflicts of Interest

As a financial professional who may earn commissions on insurance and investment products, a potential conflict of interest exists: Jacob may have a financial incentive to recommend products or services from which he earns compensation. To mitigate this conflict:

• Jacob discloses all compensation to clients before making any product recommendation
• Recommendations are based on your individual needs, goals, and financial situation — not on commission rates
• You are never obligated to purchase any product or engage any service
• Where applicable, Jacob is bound by suitability and best interest standards under applicable law and the requirements of his affiliated RIA

Not Investment, Legal, or Tax Advice

The content on this website — including all text, tools, and materials — is provided for general informational and educational purposes only. Nothing on this site constitutes personalized investment advice, legal advice, or tax advice.

Any financial information presented is general in nature and does not account for your specific situation, objectives, risk tolerance, or tax circumstances. Before making any financial, investment, insurance, legal, or tax decision, you should consult with a qualified professional who can evaluate your individual circumstances.

Risk Disclosure

All investments involve risk, including the potential loss of principal. There is no guarantee that any investment strategy will achieve its objectives. Past performance is not indicative of future results.

Insurance and annuity products are subject to the claims-paying ability of the issuing insurance company. Product features, benefits, and guarantees are subject to the terms and conditions of the specific contract.

Social Security optimization strategies and tax planning are subject to current laws and regulations, which may change. Always verify current rules with the appropriate government agency or a qualified tax professional.

Licensing

Jacob Johns holds the appropriate state insurance licenses required to offer the insurance products discussed on this site. Investment advisory services are provided through Lucas Retirement Group, which maintains applicable registrations as a registered investment advisor.

Specific licensing information, including the states in which Jacob is licensed to offer insurance products, is available upon request. Please contact us if you have questions about licensing in your state.

Form ADV

Investment advisory services are offered through Lucas Retirement Group. As a registered investment advisor, Lucas Retirement Group is required to provide clients and prospective clients with its Form ADV, which contains detailed information about its business practices, fees, conflicts of interest, and disciplinary history.

You may request a copy of Lucas Retirement Group's Form ADV at any time by contacting Jacob directly or by visiting the SEC's IAPD database at adviserinfo.sec.gov.

Website Disclaimer

This website is operated by Jacob Johns / JJ Wealth Advisory for informational and marketing purposes. The website is not affiliated with or endorsed by any government agency, regulatory body, or insurance carrier, except as specifically noted.

While we make every effort to keep the information on this site accurate and current, we make no warranties as to its completeness or accuracy. Information may be subject to change without notice.